Williams Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Williams Financial reports 267 clients. They include 198 individual clients, 63 high-net-worth individuals, and 3 pension and profit-sharing plans. Of its assets, 95.8% ($201M across 799 accounts) are managed with discretion; $8.81M across 38 accounts are not. It advised 4 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 74% | 39% |
| High-net-worth individuals | 24% | 58% |
| Pension and profit-sharing plans | 1% | 2% |
| Charitable organizations | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 198 | $82.3M | 39.2% | $416K |
| High-net-worth individuals | 63 | $122M | 58.0% | $1.93M |
| Pension and profit-sharing plans | Fewer than 5 | $4.61M | 2.2% | $1.54M |
| Charitable organizations | Fewer than 5 | $1.25M | 0.6% | $415K |
| Total | 267 | $210M | 100% | — |
- Clients
- 198
- Regulatory AUM
- $82.3M
- AUM share
- 39.2%
- Avg. per client
- $416K
- Clients
- 63
- Regulatory AUM
- $122M
- AUM share
- 58.0%
- Avg. per client
- $1.93M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.61M
- AUM share
- 2.2%
- Avg. per client
- $1.54M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.25M
- AUM share
- 0.6%
- Avg. per client
- $415K
Total
- Clients
- 267
- Regulatory AUM
- $210M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 4
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Williams Financial is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning is a flat fee, generally $6,000 to $8,000 and $8,000 to $16,000 or more for more complex plans, negotiable.
- Pension Consulting
- Pension consulting is negotiable under the investment advisory contract and billed quarterly in arrears; no rate is stated.
James Williams owns 75% or more of Williams Financial. The leadership team of Williams Financial includes President James Williams. It has 7 employees, 4 of them in advisory roles.
Leadership
James WilliamsPresident/Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 7 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 75% or more of Williams Financial, LLC
James Williams
Control person · since August 2005
Williams Financial’s regulatory assets grew 1.6× from $131M (May 2021) to $210M (March 2026); clients were 267 in both filings and employees rose from 6 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $210M | 267 | 7 | 3 |
| March 2025 | $191M | 251 | 7 | 3 |
| February 2024 | $174M | 260 | 7 | 3 |
| March 2023 | $148M | 244 | 7 | 3 |
| April 2022 | $154M | 237 | 5 | 3 |
| May 2021 | $131M | 259 | 6 | 3 |
Besides its headquarters, Williams Financial has 2 offices, with 3 listed addresses in Massachusetts, New York and Vermont.
Massachusetts · 1 listed address
- 14 Monument Square, Leominster
New York · 1 listed address
- 28 Clinton Street, Suite 2, Saratoga Springs
Vermont · 1 listed address
- 12 Main Street, North BenningtonHQ
Contact and registration details
- Legal name
- Williams Financial, LLC
- Headquarters
- 12 Main Street, North Bennington, VT 05257
- Website
- Not reported
- Phone
- 866-986-4469
- View profile
- SEC file
- 801-118678
- Founded
- 2005
- Structure
- Vermont LLC
- Fiscal year end
- December
Williams Financial uses Charles Schwab ($203M) as custodian for its separately managed accounts. Williams Financial has custody of $59.8M in client assets for 130 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $203M100%
At year end, Williams Financial’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $194M across 30 positions; the largest are J P Morgan Exchange Traded F (26.7%), iShares TR (13.3%) and Schwab Strategic TR (8.9%).
What the accounts hold
- Stocks3%
- Funds93%
- Bonds1%
- Cash3%
Reported 13F holdings
- $194M
- Reported 13F value
- 30
- Positions
- 86.8%
- In the 10 largest
- +12.6%
- Value vs. prior quarter
- J P Morgan Exchange Traded F · Income ETF26.7%
- iShares TR · Core S&P500 ETF13.3%
- Schwab Strategic TR · Fundamental US L8.9%
- Pimco ETF TR · Enhan Shrt MA AC8.8%
- Vanguard Intl Equity Index F · Allwrld EX US8.6%
- Wisdomtree TR · US Qtly Div Grt7.3%
- Schwab Strategic TR · Fundamental Intl4.8%
- Schwab Strategic TR · US Tips ETF3.2%
- Schwab Strategic TR · US REIT ETF2.9%
- iShares TR · US Sml Cap EQT2.3%
Together, the ten largest are 86.8% of reported value.
How many clients does Williams Financial have?
Williams Financial has 267 clients and manages $210 million for them, as of March 2026. They include 198 individual clients, 63 high-net-worth individuals, and 3 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026
What services does Williams Financial offer?
Williams Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Williams Financial use?
Williams Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $203M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026
How many financial advisors does Williams Financial have?
Williams Financial has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Williams Financial invest in?
At the end of its last fiscal year, Williams Financial’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Williams Financial?
Williams Financial’s direct owner is James Williams (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 26 March 2026
How does Williams Financial get paid?
Williams Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Williams Financial?
Williams Financial’s main office is at 12 Main Street, North Bennington, VT 05257. Its phone number is 866-986-4469.